I always try with this card because I don't want to cancel it as it is my oldest account. I like the card and the rewards (MTV Visa) but the CL sucks!! Anyway I tried EVERYTHING...Reiterated that I was a on time paying customer, never paid APR, stays under the limit, never maxed the card out...the agent stays "Let me check your credit to see what I can do!" *waiting waiting waiting* 5 minutes later the agent comes back and says my request was not approved for reason unknown. The agent said he couldn't release why it was not approved and after 5 more minutes of chatting with the agent about my credit worthiness...the rep broke down and said the lack of increases were not due to my credit report or account history b/c it was relatively good but due to the type of card I had. Apparently this whole time...I've had a CREDIT STEP CARD...which is basically a rebuilder card that gradually rewards customers who do well with the card. The MTV Visa card is not upgradeable (I tried that too). Only option is to apply for a different card within their network to escape it. The only thing they really could offer me was a APR reduction...24.9 to 20.9...not a big difference really. Apparently my account is due for an auto increase soon, says the agent. Got the card in 2010 and only had a CLI in 2010...lets see how long much longer I have to wait before I get the CL I want.

You have a better chance of seeing god then getting a Cap1 CLI.............statistics have proven this. Many of man/woman have went to the grave and left the Cap1 CLI promise in the will for their grandkids.

Re: CAPONE CLs answered!

I think I got lucky with my initial CLs or maybe capone was much more generous 7-8 years ago.

They offered me platinum visa soon after my BK and gave me $1500 CL. Six months later they offered me platinum MC and $5k CL and 13.9% APR. Those have been my main cards for 7 years along with WAMU card that turned into Chase when they were taken over. I never really needed or wanted anything else till I realized I was missing alot of savings without rewards cards. After starting CR cleanup in March I now have PC'd the chase into a freedom, and have new discover and barclays with 0% into/BT.

I've called CAPOne about CLI but no dice. I'll get rid of them eventually but not yet, particularly the 5k CL one is a nice emergency net if ever needed (my cashflow fluctuates drastically month to month). They both have AFs, the 5k one is actually a $5/month fee instead of annual. When I called to negotiate they told me they could not discontinue the fee but did credit back ten months worth. The other is annual, I might get rid of it in January if they don't wave it, but it fits in nicely for me right now since I have an assiciate in Canada as an AU on it and it carries no foreign transaction fee (and I don't want the associate to have the 5k limit).

Anyway, I have no idea why I lucked out with a better CL than people talk about. I was fresh from bankrupcy. Maybe they viewed things differently 7 years ago.

I always try with this card because I don't want to cancel it as it is my oldest account. I like the card and the rewards (MTV Visa) but the CL sucks!! Anyway I tried EVERYTHING...Reiterated that I was a on time paying customer, never paid APR, stays under the limit, never maxed the card out...the agent stays "Let me check your credit to see what I can do!" *waiting waiting waiting* 5 minutes later the agent comes back and says my request was not approved for reason unknown. The agent said he couldn't release why it was not approved and after 5 more minutes of chatting with the agent about my credit worthiness...the rep broke down and said the lack of increases were not due to my credit report or account history b/c it was relatively good but due to the type of card I had. Apparently this whole time...I've had a CREDIT STEP CARD...which is basically a rebuilder card that gradually rewards customers who do well with the card. The MTV Visa card is not upgradeable (I tried that too). Only option is to apply for a different card within their network to escape it. The only thing they really could offer me was a APR reduction...24.9 to 20.9...not a big difference really. Apparently my account is due for an auto increase soon, says the agent. Got the card in 2010 and only had a CLI in 2010...lets see how long much longer I have to wait before I get the CL I want.

You have a better chance of seeing god then getting a Cap1 CLI.............statistics have proven this. Many of man/woman have went to the grave and left the Cap1 CLI promise in the will for their grandkids.

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